How to End the Year Strong with C2FO

C2FO can help you achieve outstanding fourth-quarter KPIs and prepare for an even better new year.

For many companies, the fourth quarter is a time of higher performance and increased pressure to deliver on KPIs. 

Businesses may experience their best sales and revenue growth during the last three months of the year. At the same time, costs — and the demands on cash flow — are often greater. The fourth quarter is also the last opportunity for companies to reach their annual financial goals. 

C2FO Early Pay can help your company achieve all of the above. 

With our industry-leading platform, businesses reward their customers for paying their invoices weeks or months earlier, offering them a discount that’s only a sliver of the invoice amount. Early Pay provides a convenient, affordable way to increase available funds quickly. 

Faster payment unlocks a host of capabilities, including:

Improved metrics and KPIs for year-end financial goals and projections

Faster payment can improve some of the most important measurements of time-oriented liquidity, including cash conversion cycle (CCC) and days sales outstanding (DSO). FinanceIQ^TM enhances this by providing time-series analytics and MoM/YoY benchmarks to track performance over time and help you identify patterns, risks, and opportunities relating to your cashflow metrics

More control over revenue recognition

By incentivizing early payment, businesses can bring in payments in 2025 instead of 2026. In turn, that could benefit year-end financial reports, bank covenant reporting and even stock prices.

Debt-free cash flow for working capital needs and cash reserves

With Early Pay, companies can increase their available cash without borrowing and adding debt to the balance sheet. It’s also much faster than using other sources of financing. For businesses needing additional capital, C2FO Lending Connections ¹ offers referrals to trusted lending partners with options like asset-based lending, term loans, and invoice financing.

Reduced costs and healthier margins

Because financing costs are so much lower, the bottom line grows stronger. Increased cash flow can also be reinvested in ways that further reduce costs — for example, negotiating better pricing with larger orders and swifter payment to vendors.

Defense against foreign exchange (FX), tariff, and interest rate risks

When companies and their buyers are located in different countries, there can be transaction risks. If the interest rate decreases in the buyer’s country, for example, the buyer’s currency will decrease in value, too. Assume the buyer pays their invoice in their currency. When it’s converted to the company’s currency, the company’s revenue will be lower as a result. By encouraging payment ahead of interest rate cuts or changes in currency value, companies can defuse some of that risk. 

Greater funding for capital expenditures

More money becomes available for purchasing equipment, upgrading the physical plant and other investments — which could set them up for increased growth next year.

Every company’s situation and needs are different, but C2FO’s team of supplier relationship managers (SRMs) can identify the best opportunities for successfully accelerating customer payments. They will consult with a company about its working capital needs and suggest tailored strategies, allowing the business to optimize its financial strategies for this year and moving forward. 

With tools like FinanceIQ ² that centralize invoice management and provide data-driven insights into buyer payment behavior, you can make more informed working capital decisions. Rather than piecing together records from scattered systems, you’ll see what’s approved, what’s pending, and how deductions affect your balance sheet—all in one place.

Ready to get started? Contact Us today 

1. C2FO is solely acting as a reference for third party lenders; all lending decisions and servicing are done by an unaffiliated third party. By connecting with us, you acknowledge that C2FO may receive a referral fee from a lender and you give C2FO permission to provide your information to lenders for the purpose of such referral.
2. FinanceIQ is currently available only to registered US suppliers.